Commercial Banker - Business Banking

Job Description

The Business Banker’s primary responsibility is to obtain, promote, and manage a portfolio of existing and new loan customers including cross-selling new loans, products and services while ensuring compliance with the Bank’s lending policies and procedures. A Business Banker's main focus is on loan amounts of less than $1 million.

RESPONSIBILITIES:
•    Analyze loan markets to develop new prospects for loans
•    Maintain and develop positive, professional relationships with customers and continue communication for growth of portfolio. Foster customer relationships through routine calls and meeting activity and develops new Business Baking relationship opportunities through business development activities.
•    Analyze applicant’s financial status, credit and property evaluation to determine feasibility of loan request 
•    Compiles loan documentation and facilitates loan structure with applicant and ensures the commitment letters are prepared and delivered
•    Has full understanding of commercial real estate appraisals and is able to review and evaluate appropriately.
•    Ensures loan closing and funding activities occur timely
•    Identify complex situations, review related information to evaluate and develop an acceptable solution
•    Stays informed and current on lending practices and communicates as necessary on updates needed to the Bank’s policies 
•    Actively participates in the Community by attending events and being active in organizations to promote the Bank’s business products and services and build relationships.
•    Maintain a deep understanding of banking products/services to make appropriate recommendations.
•    Administer all referrals and direct meetings and business development opportunities.
•    Ensure compliance to all standards and policies and ensure secure transaction for customers.
•    Exercises advanced proficiency with routine client maintenance requests, problem resolution and advanced sales functions regarding deposit, credit, convenience and other product and service lines.
 

Designation between Business Banker levels I and II will be differentiated upon based on years of direct lending experience, portfolio size, lending authority and overall potential per management’s discretion. Level II Bankers’ areas of responsibility tend to be larger and/or more complex as they are considered a subject matter expert. Level II Bankers may also be responsible for management of support staff within their market.
 

Qualifications

•    Bachelor’s degree preferred, preferably in business, finance, or another related field
•    Minimum of two (2) years of related Banking experience, preferably as a Commercial or Small Business Lender, is required for Level I. Minimum of five (5) years of direct experience is required for Level II.
•    Demonstrated ability of holding effective and successful business relationships is essential
•    Must have formal credit analysis training or sufficient lending experience
•    Thorough knowledge of the Business Banking scoring system known as Paynet and Absolute Probability of Default is desired
•    Proficiency in Microsoft Office Products is required
•    Demonstrated ability to grow and management customer relationships
•    Ability to organize and analyze complex financial data
•    Knowledge and understanding of all federal and state regulations regarding lending and related departments.
•    Excellent analytical and mathematical skills and ability to make a credit decision
•    Excellent verbal and written communication skills
•    Demonstrated high level of professionalism and maturity
•    Ability to work off normal work schedule to meet customer needs as well as attend community functions and events for business development.
•    Minimal travel within the assigned market is required.
 

Company Profile

Please click here to access a list of benefits for which this position is eligible. Additional information regarding United’s Mission, Values and Culture can be found here.

At United, our strength is our people, and we are committed to nurturing an inclusive culture that is reflective of the communities we serve; celebrates diversity of thought, backgrounds, and experience; promotes respect and a shared purpose; and aligns with our core values.

Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.